As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.
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A lot of people ask about home insurance in Quebec, and for good reason—it’s not the same as the rest of Canada.
Quebec’s rebuild requirements, policy exclusions, and insurer regulations make it one of the most complex markets in the country. Here’s what you should know before buying or renewing your policy—and how a local broker can help you get it right.
Why Quebec Home Insurance Is Different
Home insurance in Quebec comes with its own rules and standards. Unlike other provinces, policies here are based on rebuild value, not market value—meaning your coverage should reflect what it would cost to reconstruct your home today, not what you paid for it.
Most basic home insurance plans also exclude key protections such as:
- Sewer backup coverage – one of Quebec’s most common claims
- Overland flood damage – often an optional add-on
- Earth movement or landslides – typically not included in standard policies
If your home is located in higher-risk areas—like parts of Laval, Quebec City, or Gatineau—these coverages are essential to protect you from unexpected losses.
Why Details Matter
Another major factor that sets Quebec apart is its regulatory and legal framework. The province’s civil law system, standard French-language policy wording, and unique provincial deductibles can affect both your coverage and your claim experience.
Older homes or recently renovated properties can also have gaps in protection if your insurer isn’t aware of updates or structural changes. That’s why it’s so important to review your policy regularly—especially after renovations, expansions, or major repairs.
How a Local Broker Helps
Every insurer has a different appetite for risk, coverage options, and underwriting rules in Quebec. A local insurance broker knows these nuances and can compare multiple providers to find one that matches your needs and budget.
At KBD Insurance, we’ve helped homeowners across Quebec—from Montreal to Gatineau—get coverage that actually fits. We make sure you’re not missing key endorsements, explain what’s covered (and what’s not), and help you adjust your policy as your life changes.
FAQs
Q: Is home insurance mandatory in Quebec?
A: Not legally—but if you have a mortgage, your lender will almost always require it.
Q: What’s not covered in a basic Quebec home insurance policy?
A: Sewer backup, flood, and certain natural disasters like landslides must be added separately.
Q: What’s rebuild value and why does it matter?
A: It’s the cost to reconstruct your home today. If your policy only covers market value, you could be underinsured in a claim.
Wrap Up
Want home insurance tailored to Quebec’s unique risks and regulations? Contact KBD Insurance for a free quote—we serve Montreal and all of Quebec with trusted, personalized advice.